Australia’s Bitcoin-backed
Home Loan Pilot Program
Apply Now!
Claim a $1,000 IKEA Voucher
Available to the first 500 approved loans.
T&Cs apply.
Access a home deposit up to $5 million, save thousands on LMI- Maintain your Bitcoin exposure, pay interest-only for up to 5 years
- Boost your home deposit with Bitcoin, mortgage provided by a trusted lender
Crypto-Backed Loans
How the Home Loan
Pilot Program works
Follow the steps below to apply for Australia’s first Bitcoin Home Loan Pilot. This is an early access pilot program. Applications are reviewed in partnership with Century 21 Home Loans.
Crypto & property details
Start your application by sharing your contact details, property goals and Bitcoin holdings. This lets us confirm eligibility.
Step 1
Mortgage details
Share details about your loan purpose and financial position so Block Earner and Century 21 Home Loans can assess your application.
Step 2
Submit application
Block Earner and Century 21 Home Loans will review your home loan application and guide you through approval and the next steps.
Step 3
Explore your options
with
Block Earner
Whether you're buying your first home, investing in property, or refinancing, our Bitcoin-Backed Home Loans could help you unlock the value of your crypto to make your property goals a reality.
Own your dream home
Saving up 20% of a dream home can be a long journey. Unlock value in your crypto to top up your deposit and potentially save big on LMI.
Invest in property
Not every home you buy you have to live in. Release equity from your Bitcoin holdings to gain exposure to the property market.
Refinance and save
Repaying your home loan early is a common goal. Releasing equity from your Bitcoin can help you pay off your loan sooner and save on home loan interest.
The Process: From Bitcoin
to home ownership
Your Bitcoin security unlocks AUD from Block Earner. Over time, you repay the loan to Block Earner using AUD or crypto, while making regular AUD repayments to the mortgage lender. Here"s how it works:
Flexible interest
repayment options
Repay your loan with flexible options, including AUD repayments monthly or quarterly, weekly crypto sales, or a combination of AUD and crypto.
Repay interest with AUD
Repay your interest with AUD by choosing monthly or quarterly instalments, tailored to suit your financial preferences and cash flow needs.
Sell crypto to repay interest
Choose to sell your crypto to repay your interest. A hassle-free way to manage your loan on your terms. Enjoy a frictionless repayment process that works for you.
Repay with AUD and crypto
Enjoy the freedom to repay your interest in a way that suits you. Choose to repay with AUD or crypto, seamlessly switching between both options.
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Additional information
*Approved applicants only. Terms, conditions, fees and charges apply. Credit provided by Web3 Loans Pty Ltd ACN 668 516 952 and managed by Web3 Ventures Pty Ltd trading as Block Earner (ACN 655 090 869) authorised representative 551024 of Mortgage Direct Pty Limited ACN 075 721 434 Australian Credit Licence 391876. Registering does not guarantee access/approval, this product is under development and all information, including any estimates or calculations, is indicative only. Please seek professional financial advice before contemplating this or any credit products. First 500 waitlist members approved for a loan receive a $1,000 IKEA voucher upon meeting loan terms. See IKEA Voucher Promotion T&Cs for details. Offer subject to change or withdrawal at any time. See Target Market Determination (TMD). *Winner of 2024 Finnies Excellence in Blockchain/Distributed Ledger, Winner of 2024 Blockies Financial Services Innovator of the Year and Winner of 2025 Finnies Excellence in Web3 (Blockchain or Crypto). Winner of the 2024 WeMoney Lending Innovation of the Year award for our Crypto-backed Loans. NB: These awards are for Block Earner's full suite of products and not specifically Bitcoin-Backed Home Loans.